What are the average transaction completion timelines for different payment rails such as ACH, Fedwire, SWIFT, and SEPA?

Last updated: June 10, 2025

Answer

Different payment rails have different timelines. If you see a transaction that has exceeded these timelines, please reach out to the Bridge Help Desk.

  • ACH - depends on the bank, T+0 or 1

  • Fedwire - <3 hours

  • SEPA Instant - <15 mins

  • SEPA Credit - <1 business day 

  • SPEI - <15 mins

  • SWIFT - Limited availability